Before you lean on Fuliza, it helps to know two numbers: how much you already owe and how much more you can borrow. Both take a few seconds to check.
Using USSD
- Dial *334# on your Safaricom line.
- Choose Fuliza M-Pesa.
- Select Query or the balance option.
- Enter your M-Pesa PIN.
You will get an SMS showing your outstanding Fuliza amount and your current limit.
Using the M-Pesa or My Safaricom app
Open the app, go to the Fuliza section under loans or financial services, and your limit and balance show on screen.
From your SIM menu
On phones with the Safaricom SIM toolkit, open M-Pesa, go to Loans and Savings, then Fuliza M-Pesa, and choose the query option.
Why check often
Fuliza charges a daily fee on any unpaid balance from midnight the day after you borrow. Knowing your balance tells you how much to deposit to clear it before more days are charged.
| Outstanding balance (KSh) | Daily fee (KSh) | Excise 20% (KSh) | Total per day (KSh) |
|---|---|---|---|
| 1 to 100 | 0 | 0 | 0 |
| 101 to 500 | Free for 3 days, then 2.50 | 0.50 | 3.00 |
| 501 to 1,000 | Free for 3 days, then 5 | 1.00 | 6.00 |
| 1,001 to 1,500 | 18 | 3.60 | 21.60 |
| 1,501 to 2,500 | 20 | 4.00 | 24.00 |
| 2,501 to 70,000 | 25 | 5.00 | 30.00 |
Fuliza cost calculatorUses Safaricom's published Fuliza tariff: 1% access fee plus a daily fee with 20% excise duty, assuming the balance stays the same until you repay. Your actual charges show on *334#.
See the full Fuliza charges guide for worked examples.
